Life Insurance from Kintz Insurance Agency

If you have a family to protect, a sound life insurance program is the perfect solution.
There are two basic types of life insurance needs: temporary and permanent.

Temporary needs include home mortgages or short-term debt reduction,
family income and educational expenses and can last as little as one year or last
20 to 30 years or longer. Term insurance is the most cost effective method of insuring
many short-term needs. There are a variety of plans to choose from, ranging from
an annual renewable
term (1 year plan) to a level term plan that could last 5, 10,
20 or 30 years.

Permanent needs include those that last for your entire life or
potentially for periods of 15 years or more. Permanent insurance needs include final
expenses, funds to cover estate taxes and retirement savings protection. Permanent
and universal life plans are ideally suited for meeting these goals.

The primary purpose of life insurance is to provide cash for your family in the
event of your death to ensure that they can remain in their home and continue to
maintain an adequate standard of living. There are a number of factors that determine
the cost you pay for life insurance including: